通过 After Tax 401K, 用超级走后门策略，你一定要知道！ 一年能存几万美元进 Roth IRA

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利用401 K打造百万免税账户，超级走后门策略

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Sherry, a financial guru, has developed a powerful strategy to maximize savings and build wealth by utilizing a clever backdoor Roth IRA strategy. This strategy allows individuals to save thousands of dollars each year in a tax-advantaged retirement account.

A Roth IRA is a type of individual retirement account that offers tax-free growth and withdrawals in retirement. However, there are income limits that restrict higher-income individuals from contributing directly to a Roth IRA. This is where Sherry’s backdoor strategy comes into play.

The backdoor Roth IRA strategy involves making non-deductible contributions to a traditional IRA and then converting that money into a Roth IRA. Since there are no income limits on Roth conversions, this allows individuals to effectively bypass the income restrictions and save in a Roth IRA.

By utilizing this strategy, Sherry is able to save a substantial amount of money each year in her Roth IRA. She takes full advantage of the annual contribution limit, currently set at $6,000 for individuals under 50 and $7,000 for individuals 50 and older. This allows her to save a significant sum of money over time, all while enjoying tax-free growth on her investments.

In addition to the tax benefits of a Roth IRA, Sherry’s strategy also allows her to diversify her retirement savings. By having funds in both traditional and Roth retirement accounts, she can benefit from both pre-tax and after-tax savings in retirement.

Overall, Sherry’s backdoor Roth IRA strategy is a powerful tool for building wealth and maximizing savings. By taking advantage of this clever loophole, she is able to save thousands of dollars each year in a tax-advantaged account, setting herself up for a secure and comfortable retirement.